Alix S.

About Alix S.

I\'ve dedicated over 25 years to public service, starting as a high school math instructor where I passionately guided students through the intricacies of Algebra, Geometry, and Trigonometry. Beyond teaching, I served as a trusted school advisor, assisting families in navigating crucial decisions about their children\'s education. Transitioning into the financial sector, I now focus on helping families achieve their greatest financial milestone: homeownership. With kindness, patience, and professionalism, I specialize in simplifying the mortgage process. Drawing from my own experience as a home buyer, I understand the stresses involved. However, as a skilled loan officer, I excel in minimizing stress and ensuring a smooth, transparent process. I am committed to making your home buying journey as seamless and stress-free as possible.

Experience

1. Mortgage Loan Officer

   Melissa Gillis Care

   Jan 2023 — Present

   Analyzed borrower income, credit, and asset documentation to assess loan eligibility and structure files for underwriting review. Reviewed tax returns, W-2s, pay stubs, and bank statements to ensure accuracy and completeness of loan files. Maintained compliance with mortgage lending guidelines, AML, and KYC requirements. Guided loans from application through closing, ensuring timely submission of complete and accurate documentation. Identified potential file issues early, reducing underwriting conditions and improving approval timelines. Evaluated DSCR and Non-QM loan scenarios, including analysis of rental income, borrower cash flow, and property performance to determine eligibility. Identified non-qualifying loan scenarios early by reviewing income documentation, credit profiles, and investor guidelines.

Education

• Touro University Graduate School of Technology

  MS in School Leadership and Supervision, 2003, Education

• Mortgage Educators

  Certificate, Mortgage License Originator (MLO)

• Brooklyn College

  Bachelor of Science - BS, Mathematics

• Brooklyn College

  MS in Education, Secondary Education and Teaching